PART Ⅰ EMERGING PARADIGMS 3
1 Financial Literacy and the Creation of Financial CitizensE Gail Pearson 3
2 Broad Standards as a Vehicle for Consumer Rights: The Case of Financial Products in the United Kingdom&Iain MacNeil 29
3 From Status to Contract: Evolving Paradigms for Regulating Consumer Credit&Rashmi Dyal-Chand 49
4 The EU Financial Services Policy and its Effect on Consumer Law&Manfred Westphal 69
PART Ⅱ RESPONSIBLE LENDING 91
5 Responsible Lending or Restrictive Lending Practices? Balancing Concerns Regarding Over-Indebtedness with Addressing Financial Exclusion&Therese Wilson 91
6 Payday Loans: Unintended Consequences of American Efforts to Tame the Beast&Mary Spector 107
7 Credit Alternatives and Micro-Lending in American Immigrant Communities&James P.Nehf 129
PART Ⅲ DEBT RELIEF AND INSOLVENCY 155
8 Better Consumer Protection under the Statutory ‘in duplum’ Rule&Michelle Kelly-Louw 155
9 A Struggling Social Safety Net: Global Lessons from Bankruptcy and Healthcare Reforms in the United States, France and England&Robert J.Landry, Ⅲ and Amy K.Yarbrough 165
10 The Reform of Administration Orders within a New Consumer Credit Framework&Andre Boraine 187
11 Defining the Unincorporated Business in Financial Distress: Should it be Treated as a Business or as a Consumer?&Anneli Loubser 217
Index 235